Best Pet Insurance Plans for Multiple Pets (2023 Review)
Jump To: Why Coverage Is Important for Multiple Pets | Savings | Typical Costs | Best Plans for Multiple Pets | Overview | How to Find the Best Insurance for Multiple Pets | Final Thoughts | FAQs | Methodology
The only thing better than one pet is two, three, or four pets. With all those furry friends, your life will be overflowing with love, fun, precious companionship – and vet bills. If you have multiple pets, you know that even routine care can put a dent in your savings.
To help you manage expensive veterinary costs and take care of all your furry family members, we’ve reviewed some companies that offer pet insurance for multiple pets. With the right pet insurance plan, you’ll be able to budget for monthly expenses and get coverage in the event of multiple emergency vet visits.
In this article, we’ll discuss:
- Why you need multi-pet coverage
- How much multi-pet insurance costs
- How much you can save with multi-pet discounts
- Which pet insurance companies are best for multiple pets
In this review, we’ll cover each of the following dog insurance providers and their policies:
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Prudent Pet: Best for dog and cat parents who want basic options
- Figo: Most flexible reimbursement rates
- Wagmo: Best for immediate reimbursement
- Trupanion: Most flexible deductible
Why Is Coverage for Multiple Pets Important?
Pet insurance for one pet is an excellent way to ensure you have a financial cushion for unexpected vet expenses. Having pet insurance if you have multiple pets is crucial – it allows you to make decisions about each of your pet’s needs without worrying about your wallet.
Here’s a real-life example of why multi-pet insurance is essential:
A couple of years ago, a 365 Pet Insurance team member with two adorable Labrador Retriever puppies got into poisonous fungus in their backyard, resulting in a trip to the emergency vet clinic. Once diagnostic testing and treatments were done, the pups had each racked up a $1,000 vet bill.
The fungus also triggered an autoimmune disorder called exocrine pancreatic insufficiency in the dogs, leading to more frequent health problems – and vet bills – down the road.
Less than a year later, one of the dogs developed a genetic disorder called Exercise Induced Collapse. The testing and treatment for this condition accumulated another $1,500 in veterinary expenses.
With pet insurance, the pet owner would have paid predictable monthly fees in exchange for up to a 90% reimbursement for the $3,500 veterinary expenses.
How Much Can You Save on Pet Insurance for Multiple Pets?
| Insurance Provider | Multi-Pet Discount | More Info |
| Spot | 10% | Visit Site |
| Lemonade | 5% | Visit Site |
| Embrace | 10% | Visit Site |
| Healthy Paws | N/A | Visit Site |
| ASPCA | 10% | Visit Site |
| Prudent Pet | 10% | Visit Site |
| Pawp | N/A | Visit Site |
| Figo | 5% | Visit Site |
How Much Does Pet Insurance for Multiple Pets Typically Cost?
The costs of individual plans in a multi-pet insurance policy will vary depending on each pet’s breed, species, and age. Many providers automatically apply multi-pet discounts for every additional pet you add to your plan at enrollment.
What Does Multiple Pet Insurance for Cats Cost?
The sample cat insurance quotes below are for three American Shorthairs in Winston-Salem, N.C. We selected a Spot policy with a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each cat.
Socks’ and Felix’s premiums have the 10% discount applied for a total of $2.58 in monthly savings.
| Cat | Age (In Years) | Monthly Premium | |
| Without Discount | With 10% Discount | ||
| Rosie | 4 | $11.91 | |
| Socks | 3 | $11.91 | $10.72 |
| Felix | 6 | $13.90 | $12.51 |
| Total Monthly Cost | $37.72 | $35.14 | |
What Does Multiple Pet Insurance for Dogs Cost?
The following Spot dog insurance quotes are for three Beagles in Winston-Salem, N.C. We selected a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each dog.
Rusty’s and Copper’s premiums have the 10% discount applied for a total of $7.07 in monthly savings.
| Dog | Age (In Years) | Monthly Premium | |
| Without Discount | With 10% Discount | ||
| Daisy | 4 | $32.28 | |
| Rusty | 3 | $30.26 | $27.23 |
| Copper | 6 | $40.35 | $36.31 |
| Total Monthly Cost | $102.89 | $95.82 | |
Can You Customize Your Plan for Each Pet?
Depending on your provider’s level of plan customizability, you’ll be able to personalize each pet’s policy.
For example, if one of your pets is younger and more accident-prone, you can select a lower annual deductible and get coverage sooner. You could also select a wellness add-on package for coverage on its first-year preventive care needs.
If your other pet is healthy and rarely needs care, you could select a plan with a higher deductible and lower annual limit. You’ll have a lower monthly premium and a financial cushion in the event of an unexpected vet bill.
3 Best Pet Insurance Plans for Multiple Pets
| Spot | Lemonade | Embrace | |
| Quote | Visit Site | Visit Site | Visit Site |
| Our Score | 4.9/5 | 4.8/5 | 4.7/5 |
| Dental Illness Covered? | Yes | No | Yes |
| Dental Injuries? | Yes | Yes | Yes |
| Wellness Coverage? | Yes | Yes | Yes |
| Pre-existing Coverage? | No* | No | No* |
| BBB Rating | A- | F | A+ |
*Spot will cover pre-existing conditions that have been asymptomatic or without treatment for 180 days before your policy started. Embrace will cover pre-existing conditions that have been symptom- and treatment-free for at least 12 months before your policy began. Orthopedic events like hip dysplasia and cruciate ligament injuries aren’t eligible for these exceptions.
Pet Insurance for Multiple Pets Overview
Below, we’ll review some top pet insurance providers that cover multiple pets. These providers offer customizable rates and even some add-on packages to help you get the coverage you need.
Spot Pet Insurance
Spot offers highly customizable accident/illness coverage for your pet’s unexpected veterinary needs.
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When building your Spot pet insurance plan, you can mix and match the following rates for a monthly premium that fits your needs. With the unlimited annual benefit option, your coverage will never max out.
Annual deductibles – $100, $250, $500, $750, $1,000.
Annual coverage limits – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.
Reimbursement rates – 70%, 80%, 90%.
You can purchase Spot’s Gold or Platinum Preventive Care packages for $250-$450 in reimbursements for dental cleanings, wellness exams, vaccinations, deworming, and more.
Pros:
- Highly customizable plans
- Unlimited annual coverage option
- No upper age limits
Cons:
- No prescription pet food coverage
- Higher monthly premiums
Read more in our Spot pet insurance review.
Lemonade Pet Insurance
Lemonade offers competitively affordable premiums without cutting coverage. You can bundle Lemonade’s pet insurance with other services for sweet discounts.
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You can choose from the rates below when building your Lemonade plan. The provider offers low deductible options so that your coverage will kick in sooner. However, there’s no unlimited annual benefit option, so your coverage will be capped at $100,000.
Annual deductibles – $100, $250, $500.
Annual coverage limits – $5,000, $10,000, $20,000, $50,000, $100,000.
Reimbursement rates – 70%, 80%, or 90%.
You can purchase Lemonade’s wellness package, exam fee package, and physical therapy package to cover additional items.
Pros:
- Competitive premiums
- Wellness care packages for pets of all ages
- User-friendly website and mobile app
Cons:
- No dental illness coverage
- Not available in all states
To learn more, read our Lemonade pet insurance review.
ASPCA Pet Insurance
ASPCA pet health insurance provides accident/illness coverage for dogs and cats of all ages. We like that ASPCA automatically covers microchip implantation to help you keep your pet close to home.
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ASPCA offers plan customizability so you can fit your price and coverage to your needs. The provider offers low deductibles so that your coverage will begin sooner. However, it also caps the annual benefit at $10,000, which is low compared to other providers.
Annual deductibles – $100, $250, $500.
Annual coverage limits – $3,000, $4,000, $5,000, $7,000, $10,000.
Reimbursement rates – 70%, 80%, 90%.
ASPCA offers two wellness packages for $250-$450 in coverage for preventative care items like dental cleanings, vaccinations, parasite tests, wellness exams, and more.
Pros:
- Exam fee coverage
- Microchip coverage included
- Low deductible options
Cons:
- $10,000 annual benefit maximum
- Poor customer reviews
Read our ASPCA pet insurance review to find out more.
Embrace Pet Insurance
Embrace pet insurance covers your unexpected veterinary costs. We like Embrace’s Healthy Pet Deductible program, which reduces your deductible by $50 for every year you don’t submit a claim.
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You can mix and match Embrace’s rates for a personalized premium and coverage level. The provider caps annual coverage at $30,000 but also offers a wide range of deductible options.
Annual deductibles – $200, $300, $500, $750, $1,000.
Annual coverage limits – $5,000, $8,000, $10,000, $15,000, $30,000.
Reimbursement rates – 70%, 80%, 90%.
You can purchase one of Embrace’s Wellness Rewards packages to budget for your pet’s routine health care costs. These add-on plans will save you about $25 per year on preventative care.
Pros:
- Healthy Pet Deductible program
- Flexible pre-existing condition policy
- Dental illness coverage
Cons:
- Wellness plans won’t save you much money
- No unlimited annual coverage option
Check out our Embrace pet insurance review for more information.
Healthy Paws Pet Insurance
Healthy Paws pet insurance offers one easy-to-understand accident/illness plan for veterinary care coverage. The company has also donated over $2 million to animal welfare organizations since its inception in 2009.
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With Healthy Paws, you’ll always have unlimited annual and lifetime payouts no matter what.
Healthy Paws does, however, limit plan customization by age, so it’s not ideal for older pets. The rates below are available to pets 3 years old and younger. After your pet turns four, you’ll have fewer options.
Annual deductibles – $100, $250, $500.
Annual coverage limits – Always unlimited.
Reimbursement rates – 70%, 80%, 90%.
Healthy Paws doesn’t offer add-on packages for wellness care or exam fee coverage, so policyholders must budget for these expenses independently.
Pros:
- Unlimited coverage on all plans
- Dedication to animal welfare
- Quick and easy claims process
Cons:
- Plan customization limited by age
- No wellness package add-on
Read more in our Healthy Paws pet insurance review.
Prudent Pet Insurance
Prudent Pet offers an accident-only plan and two accident/illness plans. All three plans give you access to a 24/7 vet helpline, so you’ll always have professional help at your fingertips.
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With an accident-only plan, you’ll have a set annual benefit of $10,000. If you select accident/illness coverage, you can combine the following rates to personalize your Prudent Pet plan.
Annual deductibles – $100, $250, $500, $1,000.
Annual coverage limits – $10,000 or unlimited.
Reimbursement rates – 70%, 80%, 90%.
Prudent Pet also offers packages for preventive health care coverage and exam fee coverage, so you can select add-ons to suit your needs.
Pros:
- No upper age or breed limits
- Unlimited annual benefit option
- Three wellness packages available
Cons:
- No prescription pet food coverage
- Only insures dogs and cats
Learn more in our Prudent pet insurance review.
Figo Pet Insurance
Figo offers customizable accident/illness pet insurance coverage for your unexpected veterinary bills. We like Figo’s Pet Cloud app, which allows you to connect with other pet owners online.
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Figo offers three accident/illness plans with annual maximums of $5,000, $10,000, or unlimited. Depending on the coverage cap you select, you can choose from the deductibles and reimbursement percentages below.
Annual deductibles – $100, $250, $500, $750.
Reimbursement rates – 70%, 80%, 90%, 100%.
Pros:
- Access to 24/7 vet helpline
- Quick and easy claims process
- Exclusive Pet Cloud app
Cons:
- Wellness plan not available in all states
- Additional monthly cost for exam fee coverage
Read our Figo pet insurance review to learn more about plan customization and add-ons.
Pawp Pet Insurance
Pawp provides top-notch veterinary telehealth services and coverage for your pet’s emergency needs. Pawp doesn’t provide traditional accident/illness coverage but instead covers only emergencies like toxic ingestions, choking, severe injuries, and life-threatening intestinal blockages.
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Pawp doesn’t allow any plan customization. Instead, all policyholders pay $24 per month for any pet and receive access to veterinary telehealth services and a $3,000 emergency fund. We like that Pawp allows up to six pets per plan, making it a great option for pet parents with multiple furry family members.
Pros:
- User-friendly telehealth services
- $3,000 to cover one emergency vet bill per year
- Allows up to six pets per membership
Cons:
- Rates aren’t customizable
- Emergency-only coverage
Read our Pawp pet insurance review to find out more.
How to Find the Best Insurance for Your Multiple Pets
To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short.
What To Look For in a Policy
While researching policies, look for providers that cover as many of your pet’s needs as possible.
For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.
Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.
Red Flags To Avoid
Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.
Final Thoughts
You should never have to choose between your budget and your pet’s healthcare, no matter how steep the cost. Pet insurance provides a financial buffer, allowing you to give your pets more than the bare minimum for veterinary care.
We hope this article helps you find the best pet insurance for multiple pets, so you can stress less and focus more on being the multitasking, ball throwing, superstar pet parent you are. No matter which plans you choose, you’ll have peace of mind knowing every last one of your fur babies is covered from wet nose to wagging tail.
Frequently Asked Questions About Pet Insurance For Multiple Pets
Can I Buy Pet Insurance for Multiple Pets?
It is possible to add multiple pets to a plan with some of our providers, while others may require you to purchase a separate policy for each pet. Many providers will allow you to buy multiple policies for cats and dogs, however, you may be out of luck with birds and exotic pets.
How Does Pet Insurance for Multiple Pets Work?
Depending on whether you choose to buy pet insurance for multiple pets or have separate policies for each pet, you will either have one policy covering all your pets or separate policies for each pet. If you have more than one pet on the same policy, you may have a separate deductible and reimbursement amount. A claim will be submitted to your insurance company after you pay your pet’s vet bill upfront. It’s simply a matter of selecting the pet for which the claim has been submitted.
Our Methodology
Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:
- Coverage
- Plan options
- Cost
- Reputation
- Customer service
- Species available
- Wellness benefits
We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations.
Each factor is weighted differently based on the following factors:
- Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
- Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points. Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
- Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
- Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
- Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
- Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
- Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.
Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.